Honeycombe8
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Sat Sep-05-09 06:48 PM
Response to Reply #9 |
| 36. I seriously doubt there is any 401K in existence that requires investors to invest |
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in the company stock.
My brother invests in the company stock in his 401K, but that is one of a number of options.
The problem with 401Ks is that the investors are not investment-knowledgeable, so they really need guidance from a 401K plan handler, and there needs to be some sort of automatic "conservative" vs. "aggressive" portfolio, so investors can have their $ put in automatically, where it's divided up among investments that equal a "conservative" or "aggressive" portfolio.
Bonds are not often offered in 401Ks. But bond mutual funds are (they are safer than bonds).
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| -Obama expands workers' retirement savings options |
BlueJessamine |
Sep-05-09 07:08 AM |
#0 |
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I wonder |
izquierdista |
Sep-05-09 07:14 AM |
#1 |
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since it was a DEMOCRAT who proposed it....a lot of faux outrage |
ccinamon |
Sep-05-09 07:24 AM |
#2 |
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The greedy capitalists |
BumRushDaShow |
Sep-05-09 07:54 AM |
#3 |
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The greedy class don't have a problem with Americans saving |
MindPilot |
Sep-05-09 08:42 AM |
#6 |
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Why save when the interest rate is from 0.5% to 1.5% |
JDPriestly |
Sep-05-09 10:16 AM |
#11 |
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you nailed it |
CountAllVotes |
Sep-05-09 11:44 AM |
#13 |
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then opt out. |
mopinko |
Sep-05-09 12:51 PM |
# |
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then opt out. |
mopinko |
Sep-05-09 12:51 PM |
#18 |
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Thanks CountAllVotes |
JDPriestly |
Sep-05-09 04:20 PM |
#24 |
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Yep, this is something Wall Street would love. |
Iowa |
Sep-05-09 04:21 PM |
#26 |
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Why not put it in short term AAA bonds? |
TwixVoy |
Sep-06-09 07:15 PM |
#50 |
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of course, if they're really serious about it, they need to bring all the jobs back here so that |
salguine |
Sep-05-09 08:33 AM |
#4 |
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Good point, salguine |
JDPriestly |
Sep-05-09 04:21 PM |
#25 |
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Well said. I agree. |
Iowa |
Sep-05-09 04:29 PM |
#31 |
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Obama Puts the Cart Before the Horse--Again |
Demeter |
Sep-05-09 08:38 AM |
#5 |
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looks good as a Headline, doesn't it? |
fascisthunter |
Sep-05-09 09:15 AM |
#10 |
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However, let's not forget...... |
llmart |
Sep-05-09 12:20 PM |
#16 |
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The People Who Saved Lost It In the Stock Market Frauds |
Demeter |
Sep-05-09 12:23 PM |
#17 |
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Well, I guess if they weren't very savvy...... |
llmart |
Sep-05-09 08:10 PM |
#40 |
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I have a very elderly friend who asked me to look at her broker's statement to her |
JDPriestly |
Sep-06-09 01:38 AM |
#45 |
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You ask who saved in the good years? The people who lost money |
JDPriestly |
Sep-05-09 04:24 PM |
#27 |
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See my response to Demeter. |
llmart |
Sep-05-09 08:13 PM |
#41 |
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And, something the admin has been working on .. |
Cha |
Sep-05-09 01:12 PM |
#20 |
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Despite high unemployment, fact is...most adults are in fact working. |
Honeycombe8 |
Sep-05-09 06:43 PM |
#34 |
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heh, so unemployment is not a prob until 51% unemployed? |
704wipes |
Sep-05-09 11:06 PM |
#44 |
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I didn't say that. Fact is (facts are pesky little things, aren't they? Hard to |
Honeycombe8 |
Sep-06-09 09:56 AM |
#48 |
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People need to make some interest on Safe Savings Accounts not the Wall St. Casino |
KoKo |
Sep-05-09 08:43 AM |
#7 |
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I'm with you. "Decent interest" is the key. The |
LibDemAlways |
Sep-05-09 09:11 AM |
#8 |
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You can put your 401(K) money in a CD, but you won't get much interest. |
JDPriestly |
Sep-05-09 04:25 PM |
#29 |
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Not in most 401K's, I think. Certainly not in mine. Unless you pay extra to have a "side" account. |
Honeycombe8 |
Sep-05-09 06:44 PM |
#35 |
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You should be able to buy treasury bonds |
Sgent |
Sep-05-09 08:13 PM |
#42 |
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Maybe. (but who wants THOSE at this time?) I'll look into it, though. nt |
Honeycombe8 |
Sep-06-09 09:53 AM |
#47 |
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I'll take investments over usary any day. All usary does is make money |
harun |
Sep-07-09 10:46 AM |
#51 |
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why does this remind me of |
newblewtoo |
Sep-05-09 09:11 AM |
#9 |
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a woman I know works for a bank |
CountAllVotes |
Sep-05-09 11:54 AM |
#14 |
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employers are not allowed to tell you where to invest your 401k |
curlyred |
Sep-05-09 12:15 PM |
#15 |
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my entire retirement acct. was held by Fidelity |
CountAllVotes |
Sep-05-09 12:58 PM |
#19 |
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In this case, there appears to have been no direct way for the woman to change her investments |
varelse |
Sep-05-09 01:17 PM |
#21 |
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Not neccessarily |
Sgent |
Sep-05-09 04:25 PM |
#28 |
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I seriously doubt there is any 401K in existence that requires investors to invest |
Honeycombe8 |
Sep-05-09 06:48 PM |
#36 |
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Frontline did an excellent piece on 401k's and retirement. |
ipaint |
Sep-05-09 11:02 AM |
#12 |
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The problem with 401K's |
Shireling |
Sep-05-09 02:17 PM |
#22 |
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They usually offer a plate of mutual funds. Every investor gets a prospectus |
Honeycombe8 |
Sep-05-09 06:49 PM |
#37 |
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Savings? People have to earn more than they need to save. |
PSPS |
Sep-05-09 03:45 PM |
#23 |
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This is great for the crowd that earns lots of money. |
JDPriestly |
Sep-05-09 04:33 PM |
#32 |
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You have to pay yourself first, then spend. |
Honeycombe8 |
Sep-05-09 07:06 PM |
#38 |
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Talk to me about lots of new, good jobs. |
bemildred |
Sep-05-09 04:27 PM |
#30 |
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We need 401k reform |
high density |
Sep-05-09 05:10 PM |
#33 |
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It's because the owners participate, also. And the plan handler (the investment co.) |
Honeycombe8 |
Sep-05-09 07:08 PM |
#39 |
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Yeah right, like one can save shit when one is making shit |
704wipes |
Sep-05-09 10:54 PM |
#43 |
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Many workers use their refund to |
burrowowl |
Sep-06-09 02:34 AM |
#46 |
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The individual bears SOME responsibility. How many people have you known |
Honeycombe8 |
Sep-06-09 10:15 AM |
#49 |
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